Police & Fire in Pennsylvania vs the state
34.6%Denial rate+16.28 pts vs state
42.0%Decision denial rate+19.79 pts vs state
47.0%Origination rate-14.00 pts vs state
6.25%Median rate-0.38 pts vs state
-0.11Rate spread (pts)-0.35 pts vs state
$112kMedian applicant income
3,973Loans originated
2,925Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,832 | 4,446 | 34.2% | 6.74% | #5 |
| 2024 | 8,640 | 4,301 | 34.2% | 6.99% | #8 |
| 2025 | 8,460 | 3,973 | 34.6% | 6.25% | #8 |
What Police & Fire lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Police & Fire applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 3,904 | 1,439 | 1,734 | 44.4% |
| Bucks County | 1,764 | 1,014 | 424 | 24.0% |
| Montgomery County | 1,481 | 841 | 366 | 24.7% |
| Delaware County | 695 | 324 | 248 | 35.7% |
| Chester County | 310 | 187 | 65 | 21.0% |
| Berks County | 76 | 40 | 28 | 36.8% |
| Lehigh County | 37 | 23 | 10 | 27.0% |
| Lancaster County | 28 | 18 | 5 | 17.9% |
| Monroe County | 25 | 16 | 5 | 20.0% |
| Carbon County | 21 | 9 | 5 | 23.8% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
| Newrez | D | 6,444 | 20.7% | 6.75% |
Frequently asked questions
Pennsylvania: 8,460 applications in 2025, of which 3,973 were originated and 2,925 denied.
34.6% of all applications, or 42.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Police & Fire originated in Pennsylvania in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Police & Fire's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology